Farmers and Merchants Bank of Long Beach, Long Beach, California -- to establish branches at 501 North El Camino Real, Suite 100, San Clemente, and 2891 Park Avenue, Tustin, and to increase its investment in bank premises.
-Approved, May 11, 2006

Bank Holding Companies

Minneapolis

Cornerstone Holding Company, Inc., Fargo, North Dakota -- to become a bank holding company and to acquire Citizens, Incorporated, Enderlin, and thereby acquire Citizens State Bank.
-Approved, May 12, 2006

Philadelphia

Boardwalk Bancorp, Inc., Linwood, New Jersey -- to become a bank holding company and to acquire Boardwalk Bank.
-Approved, May 12, 2006

Commerce Bank, National Association, Kansas City, Missouri -- report on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of Boone National Savings and Loan, F.A., Columbia.
-Submitted, May 9, 2006

St. Louis

First State Community Bank, Farmington, Missouri -- report on competitive factors of the proposed purchase of assets and assumption of deposit liabilities of the Bonne Terre branch of Unico Bank, Irondale.
-Submitted, May 11, 2006

St. Louis

First Tennessee Bank National Association Memphis, Memphis, Tennessee -- report on competitive factors of the proposed merger with The State Bank, Rocky Ford, Colorado.
-Submitted, May 9, 2006

Secretary

The Frost National Bank, San Antonio, Texas -- report on competitive factors of the proposed merger with Alamo Bank of Texas, Alamo.
-Submitted, May 11, 2006

ViewPoint Bank, Plano, Texas -- report on competitive factors of the proposed reorganization into a three-tiered mutual holding company structure through an interim merger with ViewPoint MHC and ViewPoint Financial Group, Inc., which would own ViewPoint Bank, a federal savings bank.
-Submitted, May 11, 2006

Extensions Of Time

St. Louis

First Banks, Inc., Hazelwood, Missouri -- extension to August 7, 2006, to acquire an additional 10.09 percent, for total control of 24.99 percent, of the shares of Community West Bancshares, Goleta, California, and thereby acquire Community West Bank, National Association.
-Granted, May 8, 2006

New York

Park Avenue Bancorp, Inc., New York, New York -- extension to July 14, 2006, to become a bank holding company and to acquire 80.1 percent of the shares of Park Avenue Bank.
-Granted, May 12, 2006